Georgia Home Buyer Resources | The Reid Casey Team

Want access to the best North Atlanta homes on the market?

(and the ones not on the market yet!)

Let’s be real—there’s no one-size-fits-all solution in real estate. Every home, every neighborhood, and every market trend is different, which means the strategy that works for one person may not work for you. That’s where we come in!

No fluff, no spam…we promise! We are here to dig deep into your unique property needs and local market data to give you personalized listings and insights. Let’s get started!

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5 STEPS TO A HOME PURCHASE

Step 1:

DETERMINE HOW MUCH YOU CAN AFFORD

Determine what you are comfortable spending monthly on a house payment and a lender can help you determine what price range you should focus on.

GET PRE-QUALIFIED AND PRE-APPROVED

For pre-approval, your lender will need W-2 statements, paystubs, bank statements, and run a credit check.

PREVIEW HOMES AND WRITE AN OFFER

After touring homes in your price range, I’ll assist you in writing an offer on the right home.

Step 2:

LOAN UNDERWRITING

After you secure a contract on the home you are purchasing, your lender will need additional documents from you to process the loan and begin underwriting.

HOME INSPECTION

The immediate step after any contract is to complete any inspections that the offer was contingent upon.

POST INSPECTION AGREEMENT

This form will be used after the home inspection and presented to the seller.

Step 3:

TITLE SEARCH

Title is the right to own, possess, use, control, and dispose of property. When purchasing a home, you are actually buying the seller’s title to the home.

APPRAISAL

An appraisal is an estimate of the value of the property. Although the primary goal is to justify the value of the lender’s investment, the appraisal can also protect you from overpaying.

FINAL COMMITMENT LETTER

After the lender approves your loan, you will receive a letter that stipulates the loan term and terms to the mortgage agreement.

Step 4:

HOMEOWNERS INSURANCE

Lenders also require proof of insurance on a home before issuing a mortgage.

UTILITY TRANSFER

Prior to closing, we will provide you with a list of utility providers for your new home.

FINAL AMOUNT FOR CLOSING

You won’t know the exact amount for closing until the last couple of days. Once the lender gives you this amount, you will need to wire the funds to the closing attorney.

Step 5:

A FEW THINGS TO BRING TO CLOSING

A valid government issued photo ID

Wire funds to closing attorney

Outstanding documents for title company or mortgage loan officer

WHAT TO EXPECT

The closing attorney will look over the purchase contract to determine what funds are owed and to whom, prepare documents for the closing, conduct the closing, make sure closing costs are paid, ensure that the buyer’s title is recorded, and ensure the seller receives any money due.

More Info For Purchasing A Home

These are the most common fees that are included in the closing costs:

Prepaid taxes for escrow

Prorated taxes

Recording and notary fees

Title search and title insurance

Origination, application, and underwriting fees from lender

Appraisal fees

Local transfer taxes

Homeowners insurance

Homeowners association fees

Make a Big Purchase

Avoid making big purchases, like buying a car or furniture until after you close on the home. Big purchases can change your debt-to-income ratio that lenders use to approve your for a home mortgage.

Opening New Credit

Do not open any new credit cards or get a new loan without speaking to your lender.

Missing Any Current Payments

Pay your bills on time to keep your credit score from dropping.

Cashing Out

Avoid any transfers of large sums of money between your bank accounts or make an undocumented deposits. This could show as a ‘red flag’ to your lender.

Change Jobs

Be kind to your boss and keep your same job. Don’t look for new work right now, unless it’s a second job to make extra money.

Reid was simply the best to work with! Wouldn’t recommend anyone else! He’s the best in business! He listens to exactly what you need and want in buying a home! It took us a few homes before we found the one we loved but we found it in a day!!!! He’s awesome!

Mike G. - Woodstock, GA

Leave a Message

Thank you for your message. We will be in touch with you shortly.

Home Buyer Resources

Want access to the best North Atlanta homes on the market?

(and the ones not on the market yet!)

5 STEPS TO A HOME PURCHASE

Step 1:

Step 2:

Step 3:

Step 4:

Step 5:

More Info For Purchasing A Home

What Are Closing Costs?

What Not To Do During The Home Purchase Process?

Reid was simply the best to work with! Wouldn’t recommend anyone else! He’s the best in business! He listens to exactly what you need and want in buying a home! It took us a few homes before we found the one we loved but we found it in a day!!!! He’s awesome!

Leave a Message

Thank you for your message. We will be in touch with you shortly.

Home Buyer Resources

Want access to the best North Atlanta homes on the market?

(and the ones not on the market yet!)

5 STEPS TO A HOME PURCHASE

Step 1:

Step 2:

Step 3:

Step 4:

Step 5:

More Info For Purchasing A Home

What Are Closing Costs?

What Not To Do During The Home Purchase Process?

Reid was simply the best to work with! Wouldn’t recommend anyone else! He’s the best in business! He listens to exactly what you need and want in buying a home! It took us a few homes before we found the one we loved but we found it in a day!!!! He’s awesome!

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